/* === BASE RESET === */
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
html,body{height:100%}
body{font-family:Inter,system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:#0f1724;background:#f0f4ff;background-image:radial-gradient(ellipse at 20% 50%,rgba(59,130,246,0.07) 0%,transparent 50%),radial-gradient(ellipse at 80% 20%,rgba(37,99,235,0.05) 0%,transparent 50%);background-attachment:fixed}

/* === LAYOUT === */
.container{max-width:1100px;margin:0 auto;padding:28px 24px}

/* === NAVIGATION === */
.topnav{position:sticky;top:0;z-index:100;background:rgba(255,255,255,0.92);backdrop-filter:blur(16px);-webkit-backdrop-filter:blur(16px);border-bottom:1px solid rgba(59,130,246,0.08);box-shadow:0 1px 3px rgba(15,23,42,0.04)}
.nav-inner{display:flex;align-items:center;justify-content:space-between}
.brand{font-weight:800;color:#1e40af;font-size:22px;text-decoration:none;letter-spacing:-0.5px;transition:opacity 0.2s}
.brand:hover{opacity:0.7}
.nav-links{display:flex;gap:6px;align-items:center}
.nav-links a{color:#475569;text-decoration:none;padding:8px 14px;border-radius:10px;font-weight:500;font-size:15px;transition:all 0.2s}
.nav-links a:hover{color:#2563eb;background:rgba(59,130,246,0.06)}
.nav-links a.cta{background:#2563eb;color:white;padding:10px 20px;font-weight:600;box-shadow:0 2px 8px rgba(37,99,235,0.25)}
.nav-links a.cta:hover{background:#1d4ed8;box-shadow:0 4px 16px rgba(37,99,235,0.35);transform:translateY(-1px)}
.nav-toggle{display:none;background:transparent;border:0;font-size:22px;cursor:pointer;color:#475569}

/* === HERO === */
.hero{padding:80px 0 60px}
.hero-grid{display:grid;grid-template-columns:1fr 440px;gap:48px;align-items:center}
.hero-content h1{font-size:48px;line-height:1.08;margin:0 0 16px;color:#0f172a;font-weight:800;letter-spacing:-1px}
.lead{color:#475569;font-size:19px;margin:0 0 32px;line-height:1.7}
.hero-ctas .btn{margin-right:12px}
.hero-cards{display:flex;flex-direction:column;gap:16px}

/* === BUTTONS === */
.btn{display:inline-block;padding:12px 24px;border-radius:12px;text-decoration:none;font-weight:600;font-size:15px;border:none;cursor:pointer;transition:all 0.25s ease}
.btn.primary{background:#2563eb;color:white;box-shadow:0 2px 8px rgba(37,99,235,0.25)}
.btn.primary:hover{background:#1d4ed8;transform:translateY(-2px);box-shadow:0 6px 20px rgba(37,99,235,0.35)}
.btn.ghost{background:white;color:#2563eb;border:1.5px solid #dbeafe;box-shadow:0 1px 4px rgba(15,23,42,0.04)}
.btn.ghost:hover{background:#eff6ff;border-color:#93c5fd;transform:translateY(-2px)}

/* === CARDS === */
.card,.broker-card{background:white;border-radius:16px;padding:24px;box-shadow:0 1px 3px rgba(15,23,42,0.04),0 8px 24px rgba(59,130,246,0.07);border:1px solid rgba(59,130,246,0.06);transition:all 0.3s ease;position:relative;overflow:hidden}
.price-card{background:white;border-radius:16px;padding:32px 28px;box-shadow:0 1px 3px rgba(15,23,42,0.04),0 8px 24px rgba(59,130,246,0.07);border:1px solid rgba(59,130,246,0.06);transition:all 0.3s ease;position:relative;overflow:visible}
.step{background:white;border-radius:16px;padding:36px 24px 24px;box-shadow:0 1px 3px rgba(15,23,42,0.04),0 8px 24px rgba(59,130,246,0.07);border:1px solid rgba(59,130,246,0.06);transition:all 0.3s ease;position:relative;overflow:visible}
.card::before,.broker-card::before,.price-card::before{content:'';position:absolute;top:0;left:0;right:0;height:3px;background:linear-gradient(90deg,#3b82f6,#60a5fa,#2563eb);opacity:0;transition:opacity 0.3s}
.card:hover::before,.broker-card:hover::before,.price-card:hover::before{opacity:1}
.card:hover,.broker-card:hover,.step:hover,.price-card:hover{box-shadow:0 8px 32px rgba(59,130,246,0.14),0 2px 8px rgba(15,23,42,0.04);transform:translateY(-6px)}
.card h4{margin:0 0 10px;color:#0f172a;font-size:17px}
.card p,.broker-card p,.step p{color:#475569;line-height:1.7;font-size:15px;margin-top:8px}

/* === SECTIONS === */
.how,.brokers,.pricing,.faq,.contact{padding:72px 0}
h2{color:#0f172a;font-weight:800;font-size:32px;margin-bottom:12px;letter-spacing:-0.5px}
h3{color:#1e293b;font-weight:700}
p{line-height:1.75;color:#334155;margin-bottom:6px}
.muted{color:#64748b;line-height:1.7}

/* === STEPS === */
.steps{display:flex;gap:24px;counter-reset:step-counter;margin-top:8px}
.step{flex:1;padding:32px 24px 24px;counter-increment:step-counter}
.step::after{content:counter(step-counter);position:absolute;top:-16px;left:24px;width:36px;height:36px;background:linear-gradient(135deg,#2563eb,#3b82f6);border-radius:50%;display:flex;align-items:center;justify-content:center;color:white;font-weight:800;font-size:15px;box-shadow:0 4px 14px rgba(37,99,235,0.35);border:3px solid #f0f4ff}
.step strong{color:#0f172a;font-size:16px}

/* === BROKERS === */
.broker-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}

/* === PRICING === */
.pricing-grid{display:flex;gap:24px}
.pricing-grid .price-card{flex:1}
.price-card.featured{background:linear-gradient(135deg,#1e40af 0%,#2563eb 100%);color:white;border:none}
.price-card.featured h3,.price-card.featured p,.price-card.featured li{color:white}
.price-card.featured .price-amount{color:white}
.price-card.featured .price-note-desc{color:rgba(255,255,255,0.8)}
.price-card.featured::before{opacity:0!important}
.price-card.featured:hover{background:linear-gradient(135deg,#1e3a8a 0%,#1d4ed8 100%)}
.price-card ul{list-style:none;padding:0;margin:16px 0}
.price-card li{padding:12px 0;border-bottom:1px solid #f1f5f9;color:#334155;font-size:15px;line-height:1.5}
.price-card li::before{content:'✓';margin-right:10px;color:#2563eb;font-weight:700}
.price-card.featured li::before{color:#93c5fd}
.price-card.featured li{border-color:rgba(255,255,255,0.15)}
.price-card li:last-child{border-bottom:none}
.price-note{margin-top:20px;color:#64748b;font-size:15px;font-weight:500}
.price-amount{display:inline-block;font-size:36px;line-height:1;color:#2563eb;font-weight:800;margin-right:8px}

/* === FAQ === */
details{background:white;border-radius:14px;padding:22px 26px;margin-bottom:14px;box-shadow:0 1px 3px rgba(15,23,42,0.04),0 4px 16px rgba(59,130,246,0.05);border:1px solid rgba(59,130,246,0.06);transition:all 0.3s}
details:hover{box-shadow:0 4px 20px rgba(59,130,246,0.1);transform:translateY(-2px)}
details summary{cursor:pointer;font-weight:600;color:#0f172a;list-style:none;font-size:16px;display:flex;align-items:center}
details summary::-webkit-details-marker{display:none}
details summary::before{content:'＋';margin-right:14px;color:#3b82f6;font-weight:700;font-size:18px;flex-shrink:0;width:24px}
details[open] summary::before{content:'−'}
details[open]{border-color:rgba(59,130,246,0.12)}
details[open] p{margin-top:14px;color:#475569}

/* === CONTACT === */
.contact{background:white;border-radius:24px;margin:0 auto;max-width:1148px;box-shadow:0 1px 3px rgba(15,23,42,0.04),0 8px 32px rgba(59,130,246,0.06)}
.contact-form{margin-top:24px}
.grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.grid label{display:block;font-size:14px}
.grid label span{font-weight:600;color:#334155;margin-bottom:6px;display:block}
.grid input,.grid textarea,.grid select{width:100%;padding:12px 14px;border-radius:10px;border:1.5px solid #e2e8f0;font-size:15px;font-family:inherit;transition:all 0.2s;background:#fafbff}
.grid input:focus,.grid textarea:focus,.grid select:focus{border-color:#3b82f6;box-shadow:0 0 0 3px rgba(59,130,246,0.1);outline:none;background:white}
.grid textarea{min-height:100px;resize:vertical}
.checkboxes{grid-column:1/-1;display:flex;gap:10px;flex-wrap:wrap}
.checkboxes label{background:#f8faff;border:1px solid #e2e8f0;border-radius:8px;padding:8px 14px;cursor:pointer;transition:all 0.2s;font-weight:500}
.checkboxes label:hover{border-color:#93c5fd;background:#eff6ff}
.full{grid-column:1/-1}
.contact-form .btn.primary{padding:14px 32px;font-size:1rem;width:100%;text-align:center}
.privacy{background:#f8faff;padding:14px 18px;border-radius:12px;border:1px solid #e2e8f0;color:#64748b;font-size:13px;margin-top:20px}

/* === FOOTER === */
.footer{background:#0f172a;margin-top:60px}
.footer .footer-inner{display:flex;align-items:center;justify-content:space-between;padding:48px 0 32px}
.footer,.footer .tag,.footer .muted{color:rgba(255,255,255,0.5)}
.footer .brand{color:white!important;-webkit-text-fill-color:white!important}
.footer .links{display:flex;gap:20px}
.footer .links a{color:rgba(255,255,255,0.5);text-decoration:none;font-size:14px;transition:color 0.2s}
.footer .links a:hover{color:#60a5fa}

/* === TRUST BADGES === */
.trust-bar{display:flex;gap:32px;justify-content:center;align-items:center;margin:32px 0 0;flex-wrap:wrap}
.trust-item{display:flex;align-items:center;gap:10px;color:#475569;font-size:15px;font-weight:500}
.trust-icon{width:42px;height:42px;background:linear-gradient(135deg,#eff6ff,#dbeafe);border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:20px}

/* === STAT COUNTERS === */
.stats-row{display:flex;gap:24px;justify-content:center;margin:44px 0 40px;flex-wrap:wrap}
.stat-item{text-align:center;padding:24px 36px;background:white;border-radius:16px;box-shadow:0 1px 3px rgba(15,23,42,0.04),0 6px 24px rgba(59,130,246,0.07);border:1px solid rgba(59,130,246,0.06);min-width:160px;transition:all 0.3s}
.stat-item:hover{transform:translateY(-4px);box-shadow:0 8px 32px rgba(59,130,246,0.12)}
.stat-number{font-size:40px;font-weight:800;color:#2563eb;display:block;line-height:1}
.stat-label{font-size:14px;color:#64748b;margin-top:8px;font-weight:500}

/* === HERO HIGHLIGHT === */
.hero-highlight{background:linear-gradient(135deg,#eff6ff,#dbeafe);border:1px solid rgba(59,130,246,0.15);border-radius:14px;padding:16px 22px;font-size:17px;font-weight:600;color:#1e40af;margin:0 0 28px;line-height:1.6}
.highlight{background:linear-gradient(135deg,#2563eb,#3b82f6);-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text}

/* === COVER GRID (WHAT WE COVER) === */
.what-we-cover{padding:72px 0}
.cover-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;margin-top:12px}
.cover-item{background:white;border-radius:16px;padding:32px 24px;box-shadow:0 1px 3px rgba(15,23,42,0.04),0 8px 24px rgba(59,130,246,0.07);border:1px solid rgba(59,130,246,0.06);transition:all 0.3s ease;text-align:center}
.cover-item:hover{transform:translateY(-6px);box-shadow:0 8px 32px rgba(59,130,246,0.14)}
.cover-icon{font-size:40px;margin-bottom:16px}
.cover-item h3{font-size:17px;margin-bottom:8px;color:#0f172a}
.cover-item p{font-size:14px;color:#64748b;line-height:1.7;margin:0}

@media(max-width:980px){
	.cover-grid{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:640px){
	.cover-grid{grid-template-columns:1fr}
	.cover-item{padding:24px 20px}
	.cover-icon{font-size:32px;margin-bottom:12px}
	.hero-highlight{font-size:15px;padding:14px 18px}
}

/* === SECTION SUBTITLES === */
.section-subtitle{font-size:17px;color:#64748b;max-width:640px;margin:4px auto 36px;text-align:center;line-height:1.7}

/* === DROPDOWN === */
.nav-item{position:relative}
.dropdown-toggle{display:inline-flex;align-items:center;gap:8px}
.dropdown-menu{position:absolute;left:50%;transform:translateX(-50%) translateY(-6px);top:calc(100% + 8px);background:white;border-radius:14px;padding:8px;min-width:200px;box-shadow:0 12px 40px rgba(15,23,42,0.12);border:1px solid rgba(59,130,246,0.08);opacity:0;visibility:hidden;transition:all .2s ease}
.dropdown-menu a{display:block;padding:10px 14px;color:#334155;border-radius:10px;text-decoration:none;font-size:14px;font-weight:500;transition:all 0.15s}
.dropdown-menu a:hover{background:#eff6ff;color:#2563eb}
.nav-item:hover .dropdown-menu,.nav-item.open .dropdown-menu{opacity:1;visibility:visible;transform:translateX(-50%) translateY(0)}

/* === LINKS === */
a:not(.btn):not(.nav-links a):not(.cta):not(.dropdown-toggle):not(.dropdown-menu a):not(.footer a):not(.brand){color:#2563eb;text-decoration:none;font-weight:500;transition:color 0.2s}
a:not(.btn):not(.nav-links a):not(.cta):not(.dropdown-toggle):not(.dropdown-menu a):not(.footer a):not(.brand):hover{color:#1d4ed8;text-decoration:underline}

/* === SCROLLBAR === */
::-webkit-scrollbar{width:8px}
::-webkit-scrollbar-track{background:#f0f4ff}
::-webkit-scrollbar-thumb{background:#bfdbfe;border-radius:8px}
::-webkit-scrollbar-thumb:hover{background:#93c5fd}

/* === SELECTION === */
::selection{background:#bfdbfe;color:#1e3a8a}

/* === PRICING PAGE EXTRAS === */
.price-panel{flex:1;display:flex;justify-content:center;padding-top:16px}
.price-card.floating{transition:transform 0.28s ease,box-shadow 0.28s ease}
.price-card.base{background:linear-gradient(180deg,#ffffff,#fafbff)}
.price-card.premium{background:linear-gradient(135deg,#1e40af,#2563eb);color:white;border:none}
.price-card.premium h3{color:white}
.price-card.premium .price-note,.price-card.premium .price-note-desc{color:rgba(255,255,255,0.9)}
.price-card.premium .price-amount{color:white;font-size:40px}
.price-card.premium::before{opacity:0!important}
.badge{position:absolute;top:-12px;left:50%;transform:translateX(-50%);background:linear-gradient(90deg,#f59e0b,#ef4444);color:white;padding:6px 14px;border-radius:999px;font-weight:700;font-size:13px;white-space:nowrap;box-shadow:0 4px 12px rgba(239,68,68,0.2)}
.price-note-desc{color:#64748b;font-size:14px}
.cta-row{margin-top:18px}
.btn.cta-btn{display:inline-block;padding:14px 24px;border-radius:12px;font-weight:700;color:white;background:linear-gradient(90deg,#f59e0b,#ef4444);box-shadow:0 4px 16px rgba(239,68,68,0.2);border:0;text-decoration:none;font-size:15px;transition:all 0.25s}
.btn.cta-btn:hover{transform:translateY(-2px);box-shadow:0 8px 24px rgba(239,68,68,0.3)}

/* === COMPARE TABLE === */
.compare{padding:40px 0}
.compare h2{margin:0 0 16px}
.compare-table{width:100%;border-collapse:collapse;background:white;border-radius:14px;overflow:hidden;box-shadow:0 1px 3px rgba(15,23,42,0.04),0 4px 16px rgba(59,130,246,0.05)}
.compare-table th,.compare-table td{padding:14px 18px;border-bottom:1px solid #f1f5f9;text-align:left;font-size:15px}
.compare-table th{background:#f8faff;font-weight:700;color:#0f172a;font-size:14px;text-transform:uppercase;letter-spacing:0.3px}
.compare-table tbody tr:last-child td{border-bottom:none}
.compare-table tbody tr:hover{background:#fafbff}
.compare-table tbody strong{color:#2563eb}

/* === RESPONSIVE — TABLET (max 980px) === */
@media(max-width:980px){
	/* Nav becomes hamburger menu */
	.nav-links{
		display:none;
		position:fixed;
		top:0;left:0;right:0;bottom:0;
		background:rgba(255,255,255,0.98);
		backdrop-filter:blur(20px);
		-webkit-backdrop-filter:blur(20px);
		padding:80px 24px 32px;
		flex-direction:column;
		gap:4px;
		z-index:99;
		overflow-y:auto;
		-webkit-overflow-scrolling:touch;
		animation:slideDown 0.25s ease;
	}
	.nav-links[style*="flex"]{display:flex!important}
	@keyframes slideDown{
		from{opacity:0;transform:translateY(-16px)}
		to{opacity:1;transform:translateY(0)}
	}
	.nav-links a{
		font-size:17px;
		padding:14px 16px;
		border-radius:12px;
		width:100%;
	}
	.nav-links a:hover,.nav-links a:active{
		background:rgba(59,130,246,0.08);
	}
	.nav-links a.cta{
		margin-top:8px;
		text-align:center;
		padding:16px 20px;
		font-size:17px;
		border-radius:14px;
	}
	.nav-toggle{
		display:flex;
		align-items:center;
		justify-content:center;
		width:44px;
		height:44px;
		border-radius:12px;
		z-index:101;
		position:relative;
	}
	.nav-toggle:active{background:rgba(59,130,246,0.08)}

	/* Dropdown inside mobile nav */
	.nav-item{
		width:100%;
	}
	.nav-item .dropdown-toggle{
		width:100%;
		display:block;
	}
	.dropdown-menu{
		position:static!important;
		transform:none!important;
		opacity:1!important;
		visibility:visible!important;
		padding:4px 0 4px 16px;
		display:none;
		box-shadow:none;
		border:none;
		min-width:auto;
		border-left:2px solid #dbeafe;
		margin:4px 0 4px 16px;
		border-radius:0;
	}
	.dropdown-menu a{
		padding:12px 14px;
		font-size:16px;
	}
	.nav-item.open .dropdown-menu{display:block}

	/* Hero: single column */
	.hero{padding:48px 0 40px}
	.hero-grid{grid-template-columns:1fr;gap:28px}
	.hero-content h1{font-size:36px;letter-spacing:-0.5px}
	.lead{font-size:17px}

	/* Steps & cards */
	.steps{flex-direction:column}
	.broker-grid{grid-template-columns:repeat(2,1fr)}
	.pricing-grid{flex-direction:column}
	.stats-row{gap:16px}

	/* Sections less padding */
	.how,.brokers,.pricing,.faq,.contact{padding:40px 0}
	h2{font-size:28px}
	.section-subtitle{font-size:16px}

	/* Trust bar */
	.trust-bar{flex-direction:column;align-items:flex-start;gap:14px;margin-top:24px}

	/* Compare table scrollable */
	.compare{overflow-x:auto;-webkit-overflow-scrolling:touch}
	.compare-table{min-width:500px}
	
	/* Price panels stack */
	.pricing-grid{flex-direction:column}
	.price-panel{width:100%}
	.price-card.premium .price-amount{font-size:36px}

	/* Footer */
	.footer .footer-inner{flex-direction:column;text-align:center;gap:24px;padding:36px 0 24px}
	.footer .links{flex-wrap:wrap;justify-content:center}
}

/* === RESPONSIVE — MOBILE (max 640px) === */
@media(max-width:640px){
	/* Container tighter padding */
	.container{padding:20px 16px}

	/* Hero */
	.hero{padding:32px 0 28px}
	.hero-content h1{font-size:28px;line-height:1.15}
	.lead{font-size:16px;margin-bottom:20px}
	.hero-ctas{display:flex;flex-direction:column;gap:10px}
	.hero-ctas .btn{margin-right:0;text-align:center;width:100%;padding:14px 20px}

	/* Broker grid single column */
	.broker-grid{grid-template-columns:1fr;gap:14px}

	/* Form single column */
	.grid{grid-template-columns:1fr;gap:12px}

	/* Checkboxes wrap better */
	.checkboxes{gap:8px}
	.checkboxes label{font-size:14px;padding:8px 12px}

	/* Stats */
	.stat-item{min-width:0;flex:1 1 calc(50% - 8px);padding:16px 12px}
	.stat-number{font-size:28px}
	.stat-label{font-size:12px}

	/* Pricing cards */
	.price-card{padding:20px}

	/* Sections */
	.how,.brokers,.pricing,.faq,.contact{padding:32px 0}
	h2{font-size:24px}
	.section-subtitle{font-size:15px;margin-bottom:20px}

	/* Cards */
	.card,.broker-card,.price-card{padding:18px;border-radius:14px}
	.step{padding:30px 18px 18px;border-radius:14px}
	.card h4{font-size:16px}
	.step::after{width:30px;height:30px;font-size:13px;top:-13px;left:18px;border-width:2px}

	/* FAQ */
	details{padding:16px 18px;margin-bottom:10px}
	details summary{font-size:15px}
	details summary::before{font-size:16px;width:20px;margin-right:10px}

	/* Contact section */
	.contact{border-radius:16px;margin:0 8px}
	.contact-form .btn.primary{padding:16px 20px;font-size:16px}
	.privacy{font-size:12px;padding:12px 14px}

	/* Footer */
	.footer .footer-inner{gap:16px;padding:28px 0 20px}
	.footer .links{gap:12px}
	.footer .links a{font-size:13px}

	/* Trust bar */
	.trust-item{font-size:14px;gap:8px}
	.trust-icon{width:36px;height:36px;font-size:18px;border-radius:10px}

	/* Price amount */
	.price-amount{font-size:28px}

	/* Pricing extras */
	.btn.cta-btn{width:100%;text-align:center;padding:16px 20px}
	.badge{font-size:12px;padding:5px 10px}
	.compare-table th,.compare-table td{padding:10px 12px;font-size:14px}
}

/* === RESPONSIVE — SMALL MOBILE (max 400px) === */
@media(max-width:400px){
	.container{padding:16px 12px}
	.hero-content h1{font-size:24px}
	.lead{font-size:15px}
	h2{font-size:22px}
	.stat-item{flex:1 1 100%}
	.nav-links a{font-size:16px;padding:12px 14px}
	.broker-header{flex-direction:column;text-align:center;gap:16px;padding:20px 16px}
	.broker-logo{width:100px}
	.broker-header h1{font-size:24px}
}

/* === TOUCH DEVICE OPTIMIZATIONS === */
@media(hover:none){
	.card:hover,.broker-card:hover,.step:hover,.price-card:hover{transform:none;box-shadow:0 1px 3px rgba(15,23,42,0.04),0 8px 24px rgba(59,130,246,0.07)}
	.card:hover::before,.broker-card:hover::before,.price-card:hover::before{opacity:0}
	.card:active,.broker-card:active,.step:active,.price-card:active{transform:scale(0.98);transition:transform 0.1s}
	details:hover{transform:none}
	.stat-item:hover{transform:none}
	.btn.primary:hover,.btn.ghost:hover{transform:none}
	.btn.primary:active,.btn.ghost:active{transform:scale(0.97);transition:transform 0.1s}
}